We make getting a remortgage stress-free, and it could save you significant money every month

A remortgage involves taking out a new mortgage on your home to replace your current one. Remortgaging can help you both raise and save money.

Can you get a remortgage even with bad credit?

We help customers do just that. Our customer Mr C was able to:

Reduce his mortgage term

  Reduce his overall lending rate

  Save £124 per month

Can you get a remortgage even with bad credit?

We help customers do just that. Our customer Mr C was able to:

Reduce his mortgage term Reduce his overall lending rate Save £124 per month

Our client had been with his lender for a fixed rate period, and knew he might be able to save money every month if he consolidated a secured loan he had, with a new mortgage.

His current rate was at 2.29%, which is similar to the new mortgage, but the key was to incorporate in the secured loan which was on a much more costly rate. We were also able to reduce the term by 9 months and saved £124.42 per month.

Previous Mortgage

Balance£75,263
Payment£635.92
Rate2.29%
Term10 Years 9 Months

Previous Secured Loan

Balance£48,169
Payment£637.59
Rate8.68%
Term10 years 9 months

New Mortgage

Balance£123,435
Payment£1149.09
Rate2.24%
Term10 Years

Our client had been with his lender for a fixed rate period, and knew he might be able to save money every month if he consolidated a secured loan he had, with a new mortgage.

His current rate was at 2.29%, which is similar to the new mortgage, but the key was to incorporate in the secured loan which was on a much more costly rate. We were also able to reduce the term by 9 months and saved £124.42 per month.

 BalancePaymentRateTerm
Previous Mortgage£75263£635.922.29%10 Years 9 Months
Previous Secured Loan£48169637.598.68%10 years 9 months
New Mortgage£123,435£1149.092.24%10 Years

No obligation advice on remortgages

Try our Mortgage Calculator – let’s see what you could borrow

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6 Great reasons to choose Clever Mortgages

Specialists in bad credit

Every member of our team is trained in bad credit situations and know how to find the right solutions for customers – helping them get the mortgage that’ll get them back on track.

Over 100 lenders

The number and quality of lenders we work with means we have access to a diverse spectrum of best-rate deals. The lenders we use means we have all areas covered – even for those in particularly niche circumstances.

Experts in bad credit

We have helped 1000’s of people with bad credit. All our advisors are trained on securing mortgages for clients with bad credit. In short, we know this market.

Access To Exclusive Rates

We have access to every adverse friendly lender, we can often secure you exclusive rates you can’t find on the high street.

First class support

We know that sorting out a remortgage can be stressful – but our experienced team of experts will have any questions you have along the way, and will always be proactive when it comes to keeping you in the loop with your application progress.

Excellent Reviews

We’re proud of our long-standing 5 Star Rating on Trust Pilot, and love all the positive feedback we get from customers every day. We feel privileged to help people get a great deal with far less stress.

Why use a mortgage broker?

Mortgage brokers help you find the best deals on the market – not just from one lender. With a broker you can expect:

  • Valuable knowledge, through years of experience helping customers to find mortgages
  • An improved chance at finding a mortgage, some mortgages are only available through a broker
  • Help with the application process, as usually just one application can be used across various lenders
  • Advice on how to improve your chances, for instance getting a guarantor or applying for a joint mortgage
About Clever Mortgages

Specialists in assessing an individual’s situation, and finding a best-fit mortgage solution for each of our customers. We can help:

  • If you want to consolidate your loans – we help customers to get back on track, by consolidating their debts into one affordable mortgage product
  • With remortgages, buy-to-let, and first-time buyers mortgages. We have experts over all of these areas
  • With applications, we aim to take the hassle away. We require your details once and we’ll already know the best lenders for your circumstance
  • Our team know the lenders that are most likely to say ‘yes’, and to give the best rates too
What should I do next?

You enquire online with us today, or request a call back
Our simple form takes a couple of minutes to fill in, this gets the ball rolling

One of our experts will give you a call to find out more about your situation
We have experts in remortgaging, who focus solely on helping customers save money

We do all the hard work for you
We search the market for the trusted lender that’s right for you

Our expert will get back in touch
We can guide you every step of the way, and we’ll always keep you up-to-date with progress

Speak to a broker

Laura Connor
MIT Assessor

Laura is a specialist mortgage broker, with many years experience helping customers with their mortgage applications.

Call laura on
0800 197 0504

Below are some of the lenders we work with